F&M Trust, formally Farmers and Merchants Trust Company of Chambersburg, is a community bank headquartered in Chambersburg, Pennsylvania. It has served South Central Pennsylvania for over a century and operates as a subsidiary of Franklin Financial Services Corporation (NASDAQ: FRAF).
The bank holds approximately $1.2 billion in assets and operates 22 community offices across Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania. It also serves customers in Maryland.
F&M Trust offers a full range of personal and business banking products including checking and savings accounts, business checking, loans, mortgages, trust and investment services, and online and mobile banking. The Better Business Checking account features no monthly fee, no minimum balance, and a cash rewards debit card.
All deposits are FDIC-insured. The bank is known for providing responsive local service and has been a fixture in the South Central PA community for more than 100 years.
Current F&M Trust Company Promo Codes & Bonus Offers
There are no active offers for F&M Trust Company.
Expired Offers From F&M Trust Company
These bonuses were recently offered by F&M Trust Company, but are not available right now.
Check back often as F&M Trust Company may revive these deals or offer similar promotions in the future. In the meantime, it can sometimes be helpful to compare F&M Trust Company's current bonuses to their previous deals.
Better Business Checking - $250 bonus (Expired)
Expired: April 30, 2026
F&M Trust Company previously offered $250 for opening a Better Business Checking account.
To earn the bonus, you needed to:
- Open a new Better Business Checking account with a minimum opening deposit of $1,000
- Bonus will be desposited within 30 days of account opening
